Protect your business with commercial insurance options designed to cover employee injuries, accidents and many natural disasters—including coverage for property damage, legal liability, business auto, employee-related risks, loss prevention and more.

We are business owners like you, so we understand that selecting the coverage you want and obtaining the right type and amount of insurance for your business is important and can help you avoid costly gaps in coverage.

When the unexpected does happen, our award-winning claims department is there with friendly, convenient service.


Just like your car insurance, business auto insurance is there to keep you, your employees and your business on the road to a bright future. Customizable to your individual business needs, Hogue Insurance Agency offers many commercial auto insurance options for the vehicles you own, lease or rent for business use.

Flexible Coverage Options that Work for Your Business
Whether you manage just a few cars or a full truck fleet, these are just a few of the available Business Auto insurance options to help ensure you and your business are fully safeguarded:

  • Bodily Injury Liability coverage for other drivers’ and passengers’ injuries or death for which you are responsible.
  • Property Damage Liability coverage for damages to someone else’s property for which you are responsible.
  • Comprehensive Coverage for your vehicle in case of losses resulting from an event other than an accident, such as theft or a tree branch falling on your vehicle.
  • Collision Coverage for your vehicle when your car hits or is hit by another vehicle.
  • Uninsured/Underinsured Motorist Coverage for your injuries, damages or death caused by an at-fault driver without insurance or without enough insurance to cover all costs.
  • Medical Payments Coverage for care expenses incurred by you and passengers in your vehicle injured in an accident.

Service and discounts that make all the difference.

Not only do we offer some of the best, personalized service and fast, expert claims handling in the business, but help is also available to your business to prevent incidents from recurring and/or mitigate potential future losses. Hogue Insurance Agency has highly trained loss prevention experts on staff who can guide you through safety programs and provide supporting materials designed to help educate employees.


Everyone makes mistakes, and unintentional accidents in your business may lead to injuries that can be physical, financial, or psychological. Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.

Business Liability insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected. Connect with one of our agents who’s an expert in working with business owners, and select from a wide range of options that fit your individual business insurance needs.

Many Scenarios, One Trusted, Customized solution
Your unique business faces a wide range of unpredictability, and our Business Liability insurance can help businesses mitigate potentially devastating lawsuits. Coverage examples include:

Premises and Operations
A customer at the store you own trips over a fixture and sustains a significant injury from the fall. Bills for the hospital visits are submitted to you for payment. Business Liability Insurance can cover these charges, as well as the business owner, should he be sued by the customer for negligence.

Products and Completed Operations
The deck you built a year ago was flawed, causing a new building owner fiscal disaster. A legal notice appears in the mail informing you of a lawsuit. The case goes to court and your former client wins. General Liability insurance can handle the defense costs and, if it comes to it, the legal damages for which the policyholder is responsible.

Cyber Liability and Data Breach
You don’t know why or how, but your computer system has been hacked. And now all your confidential business and customer data could be online, free to trade and impersonate. The least of your worries is finding the source of the data breach and repairing exposed computers. Your focus is now on damage control and possibly recovering stolen data. Fortunately, your Cyber Liability insurance coverage can help provide you with legal and forensic assistance, as well as free data security risk management services for your customers.

Employment Practices Liability
If you’ve been in business for a few years or operate in an industry with high turnover rates, you’ve likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. Our Employment Practices Liability insurance (ask us about it) can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

When it comes to liability, it’s not all business, either. If you own a sole proprietorship or partnership and don’t have Business Liability insurance coverage and your business income can’t cover the entire cost of a claim or lawsuit, the rest of the funds might have to come from your personal assets. In some situations, corporation owners can even fall victim to personal liability. Therefore, it pays to have liability insurance that’s right for your business in more ways than one.

Your Safety and Satisfaction are Number One
Not only do we offer some of the best, personalized service and fast, expert claims handling in the business, but it also makes help available to your business to prevent incidents from recurring and/or mitigate potential future losses. We have highly trained loss-prevention experts on staff who can guide you through educational safety programs and provide supporting materials designed to help improve employee awareness. Contact us today to get more details today.


Protect Where You Do Business with Commercial Property Insurance

Whatever each new day brings, Business Property Insurance is still your best defense against unexpected occurrences such as fire, hail, windstorms, and other natural disasters. Key coverage examples include:

Building Coverage
You find success in your store, office, factory, and/or other locations. Then a major fire renders your place of business unsafe for you and your employees. Our Business Property insurance will make certain your damaged building is repaired or rebuilt quickly so you avoid losing income and preserve both the equity and your future.

Business Personal Property Insurance
The loss of any property you own or create for sale affects your bottom line. If a windstorm damages any of these items, our Business Property insurance can help you replace everything from computers and inventory to equipment and tools.

Business Income
Hogue Insurance Group provides coverage to keep your business operating until goods and services are being produced again. This insurance not only replaces lost business income while the office and its contents are being rebuilt and replaced, but it can also cover the operating and payroll expenses necessary to keep you and your business on your feet after a loss. You can even elect Extended Business Income Coverage, which helps replace lost business income for an extended period of time after your business operations resume.
A great example of commercial property insurance is landlords and apartment owners. We offer customizable packages to make sure you’re covered in case the unexpected happens to you or your building(s). Here are a few of the elements we look at when building coverage with you:

Popular Insurance Coverage for Apartment Owners | Business Property
You need coverage for the unexpected, whether it is theft, fire or a windstorm. If your building is damaged or if your office contents, such as tenant leases and paperwork, are destroyed or stolen, it may be impossible to house tenants or manage their concerns. Business Property insurance helps you protect the building, equipment and income you rely on each day.

Business Liability
Anyone who comes into your apartment location can file a claim or lawsuit for accidents, mistakes or injuries involving you or your employees. Business Liability insurance covers your apartment complex in case of accidents or mistakes that may occur on premises, including a slip and fall.

Business Crime
Insurance coverage for your apartment building to help you with losses resulting from wrongdoing like theft, forgery or robbery by an employee or third party. Business Crime insurance includes coverage for things like vandalism and employee dishonesty.

Building Ordinance
Building Ordinance Coverage covers the increased cost to comply with a building ordinance or law when you repair or remodel the building after a natural disaster or another catastrophe.

Many businesses can benefit from Business Property insurance – especially those with commercial property occupied by tenants. If you are an Apartment owner, contact us today for a customized insurance quote for your individual business needs.


Safeguard Your Business and Employees
You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen. A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.
Upon the unexpected, it’s essential that your employees’ medical needs are quickly addressed so they can return to work as fast as possible. And that’s exactly what we can help you do. Let an agent create a tailored, multi-covered solution, including Workers’ Compensation Insurance that meets the specific needs of your business.

Rely on Experts Who Know Workplace Injury
Don’t go at it alone or risk legal non-compliance and/or a lawsuit. Workers’ Compensation Insurance through Paine Insurance Group can quickly and efficiently deliver benefits at a fair cost for work-related injuries and illnesses sustained by you and your employees.

When we receive a Workers’ Compensation claim, an experienced representative is committed to achieving same-day contact with those involved—the injured/ill employee, employer, medical provider and insurance agent. This ensures that benefits begin as soon as possible and that questionable claims are investigated early in the process.
Throughout the life of any Workers’ Compensation claim, we are there for you to help minimize the risk of loss and its impact on your business, every step of the way.

Reduce Costs, Injuries, and Losses
Working with our provider, we are constantly working to reduce rising Workers’ Compensation costs. Its complete medical and disability management program can do just that for your unique business. Offering managed care, education and other customized services to help control your Workers’ Compensation premiums, this program includes:

  • An extensive Preferred Provider Organization (PPO) network of clinics, physicians, and hospitals committed to excellent treatment as well as managing costs.
  • Expert review of treatment plans, need for hospital admissions, billing accuracy, and potential fraud.
  • Early Return-to-Work Programs bringing employees back on the job as soon as possible, saving you money in temporary disability payments and retraining costs.
  • Provision of educational materials designed to educate employees on Workers’ Compensation safety programs.
  • Claim Services offers 24/7 online claim filing to ensure that businesses operating around-the-clock don’t lose valuable time between filing a claim and the resolution.

We also offer a valuable addition to its Workers’ Compensation coverage in the form of Loss Control Services. These services help your employees by identifying workplace hazards, such as a faulty electrical wire in the kitchen, providing a safe environment for employees. The safety and loss prevention materials include tips on how to reduce slip and fall accidents in restaurants, ladder safety tips and how to prevent back injuries.

Contact us today to learn more about the available Business insurance in Dallas, and get a personalized quote.